Eight years of spending, now to pay it off!!

gizmo111

SOA here http://forums.moneysavingexpert.com/showthread.html?t=107280 basically its all your income outgoings and debts, and forms a plan to get out of debt and stay out of it!
Some debts may be statute barred, possibly the old NW ones, so the dates you last paid are really important. What is your credit rating like? HAve you checked your file recently, although I expect it's nothat good with a mobile phone debt.

nick1983

Thanks for that link, its full of some really useful information, its getting a bit too late to do it now though so thats another task for tomorrow!
I've only paid the one creditor in recent years, I can't remember when I last paid anyone else, I have kept all my mail from the last 5 years which I intend on checking tomorrow, that may help for dates.
As for my credit rating I assume its awful, I tried to get the online report today from Experian but it didn't work, I've sent a letter requesting a full report, I don't really want to see it to be honest.